Private Motor Insurance which is underwritten by MSIG Insurance (Hong Kong) Limited provides you a comprehensive vehicle coverage and assistance service.
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From now until 31 August 2014, apply for Private Motor Insurance1 online or through MSIG Customer Service Hotline 3122 6870 to enjoy below fabulous offers:

Offer 1: Up to HK$800 Gasoline Voucher2
Offer 2: 1 year Top Gear Magazine free subscription3

Apply Online


Call MSIG Customer Service Hotline 3122 6870



  1. Private Motor Insurance is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). Standard Chartered Bank (Hong Kong) Limited (the "Bank") is an insurance agent of MSIG.
  2. The Gasoline Voucher is only applicable to customers who enroll Private Motor Insurance with below premium amount (net of discount):
Premium Amount (net of discount) Gasoline Voucher Amount
HK$3,000 to HK$4,999 HK$300
HK$5,000 to HK$7,999 HK$500
HK$8,000 or above HK$800
  1. The one-year Top Gear Magazine free subscription is only applicable to customers who enroll Private Motor Insurance with HK$3,000 premium amount or above (net of discount).

Benefit Table

Coverage Third Party Comprehensive
Own damage, fire & theft cover
  • Cover loss of or damage to your car due to collision, fire, theft or other accidents.
NCD Protector

No matter how many claims you make, you can maintain your existing No Claim Discount (NCD) at renewal provided that:
  • After the application of excess, the claim amount does not exceed HK$100,000 or 25% of the sum insured (whichever is the less); and
  • No third party bodily injury is involved in the claim.
Windscreen Damage – Excess Waiver
  • No excess will apply if your claim does not exceed HK$5,000. You can keep your No Claim Discount as well.
“New for Old” Replacement Vehicle
  • If your car is less than 1 year old (from the date of its first registration) and sustains a total loss, we will pay in cash or give you a new one of the same model and make without deducting any deprecation.
Medical Expenses Cover
  • A maximum of HK$5,000 will be provided to cover the medical expenses from bodily injury sustained by any authorised driver in an accident while driving your car.
Motor Personal Accident
  • HK$200,000 compensation will be provided to cover death, permanent disablement, loss of limbs or sight for you or any named driver in the event of an accident while driving your car.
Vehicle Assistance Services
  • 24-Hour Emergency Roadside Assistance
  • 24-Hour Fee Towing Service
  • Alternate Car when your car is stolen or immobilized due to an accident
  • 24-Hour Claims Advisory Service
  • 24-Hour General Advisory Service
Third Party Cover

Cover the legal liability of you or authorized driver arising from an accident while driving your car, including:
  • Death or bodily injury to third party
  • Damage to third party property (up to HK$2,000,000)


  • Consequential loss
  • Depreciation wear and tear
  • Damage to tyres (unless damage is caused to other parts of the car at the same time)
  • Loss, damage or liability arising from an accident which the Insured or authorised driver is under the influence of alcohol (over the prescribed limit by law)
Important Notes:
Private Motor Insurance is underwritten by MSIG Insurance (Hong Kong Limited) ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

Private Motor Insurance, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

Apply Online

Click the following link to apply online for our services.

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To speak directly with MSIG, please call 3122 6722. Hotline service hours: Monday to Friday 9:00 am to 5:30 pm

Email Us

Alternatively, please complete our contact form and we will be in touch as soon as possible.

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